Australian Finance Podcast How Owen Rask & Alex Luck *actually* invest [Adviser Q&A]
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Dec 8, 2025 
Join Alex Luck, founder of Everest Wealth Group and savvy financial adviser, as he shares insights on personal finance and investments. He reveals his diverse portfolio, including shares, ETFs, property, and crypto. Tackling listener questions, he discusses whether a 19-year-old should invest in property or wait for first-home grants, the pros and cons of salary sacrificing shares, and strategies for students investing $100 a month. Alex also dives into estate planning for singles and how to balance quick investments with long-term goals.
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Diversify And Evolve Your Portfolio
- Alex Luck keeps a broadly diversified portfolio across shares, ETFs, property, gold and Bitcoin to reflect changing life stages.
- He adapts allocations over time rather than treating plans as fixed blueprints.
From Bonds To Gold By Chance
- Alex sold bonds and switched into gold, which by pure timing turned out well.
- He admits it was more about preference than a strict strategy.
Buy Early If Your Horizon Is Long
- Do consider buying earlier rather than waiting if you plan long term, because time in the market matters.
- Weigh practical cashflow and living logistics before committing to an investment property while at home.